Updated October 12, 2026 · BorrowCue Editorial Team
DKB (Deutsche Kreditbank) vs Youmoney
Facts checked September 26, 2026.
What sets them apart
| Compare |  DKB (Deutsche Kreditbank) |  Youmoney |
|---|---|---|
| APR | 6.99%Lower | 25.28% to 72.19% |
| Loan amount | €2,500 to €100,000 | PLN 100 to PLN 10,000 |
| Term | 12 to 120 monthsHigher | 24 months |
| Credit check | Soft prequal | Hard |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | 15-30 minutes with the fastest lenders, usually 2-4 hours, at most by the end of the next business day |
| Representative example | Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro | Instalment loan: APR 53.21%, loan amount 15000.00 PLN, fixed interest 16.05% per year, 24 months, 23 instalments of 945.83 PLN plus a final instalment of 945.83 PLN, total cost 7699.92 PLN, total repayable 22699.92 PLN |
| Lender type | Direct lender | Broker |
| Eligibility | Of age and main residence in Germany; not self-employed or freelance; in permanent employment or on an indefinite pension; German mobile number and online-banking access to the salary account | Aged 18 to 75, valid Polish ID, Polish citizenship, bank account at a Polish bank in the applicant's own name, phone number and e-mail; any income source accepted (employment, self-employment, pension, allowance, alimony) |
| Loan types | Personal, Car, Debt consolidation | Personal, Payday, Debt consolidation |
| Arrangement fee | Not confirmed | 5064.60 PLN commission (33.76% of the 15000 PLN loan) in the instalment-loan representative example |
| Origination fee (%) | Not confirmed | 33.76% |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Free early repayment (Yes).
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Key differences
- Founded is lower at DKB (Deutsche Kreditbank): 1990 vs 2022.
- Youmoney is available in 2 more countries.
- APR is lower at DKB (Deutsche Kreditbank): 6.99% vs 25.28% to 72.19%.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 24 months.
- Loan types: only DKB (Deutsche Kreditbank) offers Car.
- Loan types: only Youmoney offers Payday.
Our verdict on each
DKB (Deutsche Kreditbank)
DKB provides direct lending instead of passing applications between intermediaries, which keeps responsibility with one provider. It covers personal, car and consolidation borrowing for purchase, remortgage and home improvement, with soft prequalification and support across phone, chat, email and help centre.
Youmoney
Youmoney suits Polish borrowers who need money within hours and who can absorb a steep rate, offering payday, instalment and consolidation loans through a single application. What you pay is the trade-off: 25.28% to 72.19%, an arrangement fee of 33.76% of the amount borrowed, and a term of 24 months.
Score breakdown
| Area | DKB (Deutsche Kreditbank) | Youmoney |
|---|---|---|
| Cost | Not confirmed | 8.5APR runs 25.28% to 72.19% with a 33.76% commission in the instalment-loan example, so total cost is high. |
| Offer | 9.4Higher | 9.2Coverage spans personal, payday and debt consolidation, funding is listed as same day funding, and early repayment carries no charge. |
| Trust | 9.2Higher | 8.2 |
Licences and countries
| Country | DKB (Deutsche Kreditbank) | Youmoney |
|---|---|---|
| Germany | Not confirmed |
Additional countries for DKB (Deutsche Kreditbank): 1. Additional countries for Youmoney: 3.
Positions in our rankings
| Ranking | DKB (Deutsche Kreditbank) | Youmoney |
|---|---|---|
| Personal loans | 16 of 1944 | 32 of 1944 |
| Debt consolidation loans | 6 of 425 | 12 of 425 |
If neither fits
Sofkredit has term at 6 to 240 months, against 12 to 120 months for DKB (Deutsche Kreditbank) and 24 months for Youmoney.
Sofkredit reviewEvery fact side by side
| Fact | DKB (Deutsche Kreditbank) | Youmoney |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Deutsche Kreditbank Aktiengesellschaft | Findao sp. z o.o. |
| Headquarters | Germany | Poland |
| Founded | 1990Lower | 2022 |
| Support channels | Phone, Chat, Help centre, Email | Chat, Email, Phone, Help centre |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Youmoney | Median |
|---|---|---|---|
| APR | 6.99%below the median | 25.28% to 72.19%highest quarter | 8.99% |
| Term | 12 to 120 monthshighest quarter | 24 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 33.76%highest quarter | 0.25% |
Median across 1007 listed lenders.
Pros and cons
DKB (Deutsche Kreditbank)
Pros
- Direct lender setup keeps application and servicing with one provider
- Covers purchase, remortgage and home improvement across varied personal needs
- Offers soft prequalification alongside phone, chat, email and help centre support
Cons
- Excludes self employed and freelance applicants, focusing on permanent employment or pension
- Requires a mobile number plus online banking access to the salary account
Youmoney
Pros
- Money can move fast: the stated funding time is minutes with the fastest lenders, usually a few hours, and at the latest by the end of the next business day.
- Early repayment is free, so settling the balance ahead of schedule adds no fee to the bill.
- The offer covers personal, payday and debt consolidation under a single application, which saves shopping lender by lender.
Cons
- The APR runs 25.28% to 72.19%, well above the 10% to 23% band at Monzo Flex, so the cost of access is high.
- The arrangement fee in the instalment-loan representative example is 33.76% of the amount borrowed, charged on top of the interest.
- A hard credit check runs on every application, so a rejected or repeated attempt leaves a full search on your file.
Who each suits
DKB (Deutsche Kreditbank)
Who it suits
- Borrowers seeking purchase, remortgage or home improvement funding
- Employees and pension recipients wanting a direct lending relationship
Who should look elsewhere
- Self employed or freelance borrowers seeking lending
Youmoney
Who it suits
- Polish borrowers with an emergency bill or a short gap who need the money within hours rather than days.
- Applicants whose income is not a salary, including self-employed workers, pensioners and anyone on an allowance or alimony.
- Anyone planning to clear a small balance quickly, since early repayment is free and the term is 24 months.
Who should look elsewhere
- Monzo Flex, whose APR of 10% to 23% sits far below 25.28% to 72.19% for anyone who can qualify there.
- Cashspace, which quotes PHP 12 to PHP 36 in a different market, if the rate on paper matters more than the pace.
Current offers
DKB (Deutsche Kreditbank)
Current offer
Discount code
Zinsvorteil of 0.15 percentage points when buying an existing property: 0.15 percentage points off the interest rate
Purchase of an existing property; see Zinsvorteil section
Source, checked September 26, 2026
Discount code
Zinsrabatt of 0.1 percentage points for Gruene Baufinanzierung: 0.1 percentage points off the interest rate
Energy-efficient property, green mortgage financing
Source, checked September 26, 2026
Youmoney
Current offer
Bonus
First loan for 0 PLN (APR 0%) for new customers of partner lenders: 0 PLN, APR 0%
Only for new customers of a specific partner lender, one promotion per institution, must be repaid on time or full interest, commission and possible penalties apply; amounts typically 1000-7000 PLN, term 7-61 days
Source, checked September 26, 2026
Country by country
| Country | DKB (Deutsche Kreditbank) | Youmoney |
|---|---|---|
| Germany | Yes | No |
| Poland | No | Yes |
| Romania | No | Yes |
| Spain | No | Yes |
Questions about each
DKB (Deutsche Kreditbank)
Who can apply for lending with DKB?+
Applicants need to have reached adulthood and work in permanent employment or receive an indefinite pension. Self employed and freelance work falls outside eligibility. Checks also ask for a local handset contact and digital entry to the account receiving wages.
Which products does DKB cover?+
The range centres on personal borrowing, including car funding and debt consolidation support. Purposes span purchase, remortgage and home improvement needs. Lending is arranged directly, so application and servicing stay with the same provider throughout.
Youmoney
What APR will I pay on a Youmoney loan?+
The advertised range is 25.28% to 72.19%, and the instalment-loan representative example sits inside that band at a fixed rate. The figure to watch is the total repayable in the example rather than the headline percentage, because the commission charged alongside the interest adds a large share of the amount borrowed.
What fees are charged on top of the interest?+
The listed charge beyond interest is the arrangement fee. In the instalment-loan representative example the commission is 33.76% of the amount borrowed, which is the largest single addition to the bill and the reason the total repayable overshoots the sum you asked for. Compare total repayable figures across quotes, not the rate alone.
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